By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Attracting top talent in 2026 requires more than just a paycheck; it requires a health plan. But for small teams, the costs can be daunting.
Average Premium Benchmarks
In 2026, the average annual premium for employer-sponsored health insurance is approximately $8,500 for single coverage and $24,000 for family coverage.
The SHOP Marketplace and Tax Credits
If you have fewer than 25 full-time employees and pay average annual wages below $56,000, you may qualify for a tax credit worth up to 50% of your premium contribution.
Frequently Asked Questions
Under the ACA, only businesses with 50+ full-time equivalent employees are mandated to provide coverage, but many smaller firms do so to stay competitive.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.